 Joe Pat and the team at Belmont Capital Advisor. Speaking of, you can meet the team, see all the services they have to offer when you visit belmont-capital.com or to take advantage of that one-page retirement income plan, no cost, no obligation, 704-946-7000. Again, 704-946-7000. Quick break. When we get back, over 60% of adults are ashamed of this, and it's pretty disappointing. We'll get to that plus more. This is Retirement for Living with Joe Batarini.